Jenny at FrugalGuruGuide
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Excellent post! I had lots of scholarships, plus I worked.
8 months, 3 weeks ago on 5 Ways to Avoid Debilitating Student Loan Debt
The examples above are outrageous, of course, but...it depends on the occasion.When I was a kid, most of our eating out was at fast food places because
they were cheap and fast.(We went out
once per week.)Once every six weeks, we
went to a real restaurant.Now we
generally go out once per week, but the cheapest place we go to is usually a
high-end fast food place like Panera.We
usually eat a midrange restaurants but will go to the occasional more expensive
restaurant, especially if we are in DC or Baltimore.This is usually about four times a year.There are a couple of places here with a price
fixe menu between $100 and $150—if we made an exceptional event of it, we might
go as a couple to one of these. I realized the other day that we've been here 6 years and have never gone to a single famously excellent restaurant around here, which is one of the top 5 hot spots for food on the East Coast, easily. If I
were taking a vacation in France, I’d mostly stick to cheap places, but again, I’d be interested
to go to one famous, very expensive restaurant.Just not with the kids!
Speaking of fancy pizza, I had some with duck breast bacon
and lamb sausage the other day.It was
exquisite.But it was at the next-door-neighbors’
house—they’re charcuterie fanatics!J
9 months ago on Where Do You Draw The Line at Excess Consumption?
My grandparents left my parents an inheritance. My parents will leave us one about twice as big, maybe a bit more. I plan to leave my kids even more. Hopefully, I'll be well into retirement by the time my parents die, so I don't really see it as any kind of disincentive! I'm continuing to have kids later than my parents did, but that means what we leave will be split more ways, and with any luck, the youngest will be at least in his/her mid40s by the time we go.
But as far as STUFF, now... They certainly have less than most of the neighbors (most of whom have lower incomes than ours), and I think that's still probably too much. I'm not a big believer in giving kids too many things--it's easy to spoil them!
9 months, 1 week ago on You Want to Give Your Child The Best of Everything, But Should You?
@Philip Taylor @Jenny at FrugalGuruGuide I'll buy the car, though.
And that would be an AWESOME car for a teenager. From a parent's perspective, at least. :D
9 months, 2 weeks ago on 10 Shockingly Stupid “Money-Saving” Moments From TLC’s Extreme Cheapskates
Eh, 90% of it's probably fake. :) I don't believe that most of these people actually do a lot of these things!!!!
CSAs are more expensive than how I shop, but they are yummier for certain veggies.
9 months, 2 weeks ago on Save on Your Groceries with a CSA
My husband's term life insurance is through work and is at a very competitive rate--the very best rate for his age general offered. So it works for us!
9 months, 3 weeks ago on Is Life Insurance Through Your Employer Worth It?
I just assign a chore any time a child tells me that he or she is bored. i have the least bored kids in our county, I bet! :) We do also have activities in the summer, but the chore-for-bored system works GREAT.
9 months, 3 weeks ago on Keeping the Kids Busy this Summer on a Budget
I buy ahead for many gifts to get the best deal.
9 months, 3 weeks ago on Cheap Gift Ideas
I don't do things that will set me back--I budget for "splurges," too. But of course, if you are paying off debt, you really don't have a splurge budget, per se.
9 months, 4 weeks ago on 3 Questions To Ask Yourself When It Comes to Splurging
I learned web design because I couldn't afford to hire someone! It's definitely paid off.
10 months ago on 3 Painless Ways to Be Frugal
I'm putting a WHOLE lot more than a dollar a day toward the kids' college funds at the moment. :) That's what they're getting for the time being!
10 months ago on How to be a savvy saver
Of course, if you can get it, and internship in your field is the best of all. They're much harder to snag these days, though.
10 months ago on Students, Get Ahead by Getting a Job This Summer
@Philip Taylor @Jenny at FrugalGuruGuide The 4% rule does. Your calculator does not. You're asking people to decide how much they want to retire on, in absolute $, not in inflation-adjusted dollars. If the next 30 years are like the last 30, $40k in the future is like $17k now. So retiring on $50k a year is suddenly far less appealing.
10 months ago on How to Retire Early – Let’s Run the Numbers
This doesn't take inflation into account! You have to factor that in, too.
We've never had enough stuff for a garage sale! We donate a few bags of stuff a year, and it never builds up. We'll have enough for a garage sale when we're done having kids, though,
10 months, 1 week ago on How to Prep for a Garage Sale
Building an emergency fund should be a priority if you find yourself having to use a title loan service!
10 months, 1 week ago on Can Title Loans Really Help Someone in need ?
I'm not tied to our location, but my husband is, so that pretty much decides it! We could have a MUCH larger house for MUCH less money elsewhere.
10 months, 1 week ago on Home Ownership–Would You Move to a Lower Cost of Living Area?
Great suggestions! Between allergies and not being willing to do the extra ironing, the line drying is out for me, but the rest are great.
10 months, 1 week ago on Savvy Money Tips That Will Work For Anyone
@KC Beavers Actually, if you're following Mel Bartholomew's Square Foot Garden method, it will take a MINIMUM of five years to break even, and even longer if you buy plants rather than starting your own seeds.
The Amish farmers up the road are growing in the ground!
10 months, 2 weeks ago on How to Save Money on Food With These 5 Tips